Largest lenders in Scott County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 140 | 16 | 54.3% | 10.52% |
| 2 | Community Bank of Mississippi | C | 135 | 106 | 11.1% | 8.25% |
| 3 | Unnamed lender 529900YKD9FOL6BFSG98 | C | 75 | 56 | 17.3% | — |
| 4 | Triad Financial Services | D | 69 | 21 | 31.9% | 9.60% |
| 5 | Vanderbilt Mortgage and Finance | F | 63 | 13 | 30.2% | 9.99% |
| 6 | The Bank of Forest | A | 46 | 43 | 2.2% | — |
| 7 | Cadence Bank | B | 34 | 19 | 20.6% | 7.50% |
| 8 | Rocket Mortgage | C | 25 | 13 | 32.0% | 6.99% |
| 9 | Trustmark National Bank | C | 20 | 14 | 20.0% | 6.35% |
| 10 | FirstBank | C | 19 | 2 | 63.2% | 10.49% |
| 11 | PriorityOne Bank | B | 18 | 16 | 5.6% | 7.25% |
| 12 | American Mortgage Bank | C | 17 | 13 | 5.9% | 5.99% |
| 13 | Union Home Mortgage | B | 16 | 10 | 6.3% | 6.93% |
| 14 | Southwest Stage Funding | F | 9 | 3 | 0.0% | 8.10% |
| 15 | Regions Bank | C | 7 | 1 | 71.4% | 4.99% |
| 16 | Credit Human Federal Credit Union | D | 7 | 0 | 85.7% | — |
| 17 | Freedom Mortgage | B | 7 | 2 | 14.3% | 5.63% |
| 18 | Broker Solutions | D | 7 | 2 | 0.0% | 6.31% |
| 19 | Nationstar Mortgage | C | 6 | 2 | 16.7% | 7.00% |
| 20 | Guild Mortgage | A | 6 | 5 | 16.7% | 7.31% |
| 21 | Pennymac Loan Services | C | 5 | 1 | 20.0% | 6.75% |
| 22 | Bank of America | F | 5 | 0 | 80.0% | — |
| 23 | Magnolia Bank | C | 5 | 4 | 20.0% | 6.25% |
| 24 | Carrington Mortgage Services | D | 5 | 0 | 60.0% | — |
| 25 | Tammac Holdings | D | 5 | 0 | 80.0% | — |
Best approval odds in Scott County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Community Bank of Mississippi | 130 | 11.5% |
| 2 | Unnamed lender 529900YKD9FOL6BFSG98 | 69 | 18.8% |
| 3 | Triad Financial Services | 69 | 31.9% |
| 4 | 21st Mortgage | 94 | 80.9% |
What Scott County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Scott County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 668 | 301 | 32.5% | 8.40% | $85,000 |
| 2024 | 812 | 342 | 34.2% | 8.50% | $95,000 |
| 2025 | 866 | 409 | 27.5% | 7.63% | $95,000 |
Frequently asked questions
27.5% of applications in Scott County were denied in 2025, against 22.9% statewide in Mississippi.
21st Mortgage, with 140 applications in 2025 and a denial rate of 54.3%.
The median mortgage application in Scott County in 2025 was for $95,000; the median property value on originated loans was $165,000.